Choose the plan that's right for you: The Low or the High Deductible Care Plan
Your medical plan choices offer a range of coverage levels so that you can pick the plan that best fits the needs of you and your family.
Low Deductible Care Plan
Lower paycheck contributions
Lower paycheck contribution than the Low Deductible Select plan.
Doctor visits covered at 100%
Visits with your personally selected primary care doctor, including pediatricians, covered at 100%. See them as often as needed to stay as healthy as possible.
Know what you owe before you go
A set specialist copay mean you’ll know what you owe before you go to the doctor, with no surprise bills.
Right care, right time
Your primary care doctor will refer you to in-network specialists for high-quality care to meet your needs.
High-quality healthcare providers
Access to a tailored network of local, virtual and national healthcare providers for quality care when and where you need it.
Medical coverage when traveling
Emergency room visits covered at the in-network cost, no matter where you are.
High Deductible Care Plan
Lowest paycheck contributions
Paycheck contributions are among the lowest of all medical plan options.
FREE doctor visits
After you meet your deductible, you’ll visit with your personally selected primary care doctor, including pediatricians, and behavioral health specialists at no cost to you.
Right care, right time
Your primary care doctor will refer you to in-network specialists for high-quality care to meet your needs.
High-quality healthcare providers
Access to a tailored network of local, virtual and national healthcare providers for quality care when and where you need it.
Medical coverage when traveling
Emergency room visits covered at the in-network cost, no matter where you are.
Health savings account
Contribute pre-tax dollars from your paycheck into a health savings account (HSA) and use that money to pay for qualified medical expenses now or in the future.
Is one of Centivo's plans right for you?
If any of these apply to you, you should consider one of Centivo’s plans.
- I want to save $ on my healthcare.
- I see doctors in the Centivo Network and want to continue to see them.
- I’m willing to change doctors.
- I visit urgent care or the emergency room whenever I need care.
- I want to know what I owe – if anything – before I go to the doctor.
View your benefits summary
Need more information to help decide which plan is right for you? We’ve got you covered. View a high-level benefits summary by clicking on the image to the left. Read a more detailed Summary of Benefits and Coverage by clicking on the link below.
how it works
Take these 3 steps to get the most from your plan
Step 1: Pick a Doctor
- Choose a primary care doctor, a step Centivo calls activation.
- If this is a new doctor, schedule an appointment, so they can get to know you and your healthcare needs.
- If you activated last year, you don’t need to activate again.
Step 2: See your doctor first for any healthcare needs
- Your doctor can help you stay as healthy as possible.
- When you get sick, your doctor can identify the issue and start treatment.
- If you have ongoing conditions, your doctor can help you manage them and make medication adjustments.
Step 3: Get referrals for specialty care
- Get a referral from your primary care doctor when you need specialist care.
- They’ll send the referral to Centivo for you, and it will be good for one year.
- All you need to do is make sure you see the referral in your Centivo app prior to seeing the specialist.
Understanding key insurance terms
The amount you pay out-of-pocket before the plan pays towards your healthcare costs.
A fixed dollar amount you pay for a healthcare service or visit.
The percentage of costs you’re responsible for after you meet your deductible.
The most you’ll pay for any covered healthcare expenses during the plan year.